Home Insurance in Estelline, Texas
The median home value in Estelline is $64,400, 25% lower than the Hall County median.
The median home in Estelline was built in 1939 or earlier. About 82% of homes were built before 1960, about 30 points above Hall County's 51%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Estelline, the housing stock is 90% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Estelline, about 9% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 62%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Estelline are owner-occupied.
61% of homes in Estelline are primarily heated with natural gas.
FEMA rates Hall County's overall risk as Very Low, led by hail (Relatively Moderate). Hall County had 2 active NFIP flood policies as of September 2026. See the full Hall County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
Key figures
| Median home value | $64,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 9% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Hall County | 2 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)